Refinancing your mortgage in its simplest form means replacing your existing mortgage with a new one on different terms. People sometimes confuse a refinance with a renewal. The two are not the same.
A refinance is an opportunity to lower your rates, if rates fell substantially since you got your mortgage.
Use the equity that has been generated due to the appreciation in value of your property for your needs.
Get out of your current mortgage into a new one with better terms, higher value, lower rates or all three combined
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